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Credit Cards Hong Leong Bank Wise Credit Card V2, 10% Cashback , Up to RM100 per month

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chinth
post Mar 4 2014, 10:31 AM

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I got my WISE card on Feb 14, want to know when I will receive Annual Fee and GST after 1 year ?
jkngo2003
post Mar 4 2014, 10:52 AM

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QUOTE(ronnie @ Mar 4 2014, 09:56 AM)
Who else got charged the Annual Fee for HLB WISE ?
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i be charged. i call cs to waive it. one tell me can be waived and one tell me hat he will try and don know.


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victorywp
post Mar 4 2014, 02:23 PM

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QUOTE(ronnie @ Mar 4 2014, 08:38 AM)
RM393.82 x 10% = RM39.38
Rounding to nearest RM1 = RM39

If rebate is RM39.50, then you get RM40  drool.gif
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based on this info, the most minimum amount to spend in order to get rm100 cash rebate is rm750.

1) rm55 x 10 times = rm550 = rm60 cash back (rm6 x 10 times)
2) rm5 x 40 times = rm200 = rm40 cash back (rm1 x 40 times)

total = rm750 = rm100 cash back

super kiasu counting! thumbup.gif rclxms.gif

extra work but save rm250 monthly (rm750 instead of rm1000). sweat.gif

This post has been edited by victorywp: Mar 4 2014, 02:25 PM
DM3
post Mar 4 2014, 02:25 PM

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QUOTE(victorywp @ Mar 4 2014, 02:23 PM)
based on this info, the most minimum amount to spend in order to get rm100 cash rebate is rm750.

1) rm55 x 10 times = rm550 = rm60 cash back (rm6 x 10 times)
2) rm5 x 40 times = rm200 = rm40 cash back (rm1 x 40 times)

total = rm750 = rm100 cash back

super kiasu counting!  thumbup.gif  rclxms.gif

extra work but save rm250 monthly.  sweat.gif
*
It wont happen lah, how can spend just $5?
victorywp
post Mar 4 2014, 02:28 PM

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QUOTE(DM3 @ Mar 4 2014, 02:25 PM)
It wont happen lah, how can spend just $5?
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can, rm5 at automated fuel dispenser. brows.gif
DM3
post Mar 4 2014, 02:29 PM

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QUOTE(victorywp @ Mar 4 2014, 02:28 PM)
can, rm5 at automated fuel dispenser.  brows.gif
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isn't it min need to spend 50 to get the rebate
victorywp
post Mar 4 2014, 02:30 PM

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QUOTE(DM3 @ Mar 4 2014, 02:29 PM)
isn't it min need to spend 50 to get the rebate
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once you attain to the minimum rm50 x 10 times, then the rest you can go as low as you can.
which is why...
1) rm55 x 10 times = rm550 = rm60 cash back (rm6 x 10 times)
2) rm5 x 40 times = rm200 = rm40 cash back (rm1 x 40 times)
DM3
post Mar 4 2014, 02:34 PM

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QUOTE(victorywp @ Mar 4 2014, 02:30 PM)
once you attain to the minimum rm50 x 10 times, then the rest you can go as low as you can.
which is why...
1) rm55 x 10 times = rm550 = rm60 cash back (rm6 x 10 times)
2) rm5 x 40 times = rm200 = rm40 cash back (rm1 x 40 times)
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U tried it before?
usually i just round up myself to get the categories to reach max but above 50
victorywp
post Mar 4 2014, 02:36 PM

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QUOTE(DM3 @ Mar 4 2014, 02:34 PM)
U tried it before?
usually i just round up myself to get the categories to reach max but above 50
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yes, i tried before...
but not so kiasu until swipe 50 times... sweat.gif

i tried some grocery purchase (below rm50) at hero supermarket and econsave previously and all counted as well once rm50 x 10 times is reached.
DM3
post Mar 4 2014, 02:41 PM

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QUOTE(victorywp @ Mar 4 2014, 02:36 PM)
yes, i tried before...
but not so kiasu until swipe 50 times...  sweat.gif

i tried some grocery purchase (below rm50) at hero supermarket and econsave previously and all counted as well once rm50 x 10 times is reached.
*
thumbup.gif
victorywp
post Mar 4 2014, 02:44 PM

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QUOTE(ronnie @ Mar 3 2014, 11:58 PM)
Tesdte means "confirmed" ? Which location?
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yes, confirmed.
hero at seksyen 27 (alam megah) shah alam
econsave at batu berendam melaka
tbheng
post Mar 4 2014, 02:55 PM

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QUOTE(victorywp @ Mar 4 2014, 02:23 PM)
based on this info, the most minimum amount to spend in order to get rm100 cash rebate is rm750.

1) rm55 x 10 times = rm550 = rm60 cash back (rm6 x 10 times)
2) rm5 x 40 times = rm200 = rm40 cash back (rm1 x 40 times)

total = rm750 = rm100 cash back

super kiasu counting!  thumbup.gif  rclxms.gif

extra work but save rm250 monthly (rm750 instead of rm1000).  sweat.gif
*
I did a check on my historical records. I believe the CB is round up at category level and not per transaction basis.
Based on the above examples:
Category 1 : total spend = RM550, CB = RM55
Category 2 : total spend = RM200, CB = RM20

Based on my observation, the highest effective CB is 10.15%, where spend RM985 to get max CB of RM100.
e.g. Category 1 : total spend = RM325, CB = RM33
Category 2 : total spend = RM325, CB = RM33
Category 3 : total spend = RM335, CB = RM34
=> Total spend = RM985, CB = RM100, effective 10.15%.
I tried that in Jan (just for fun lah), spent RM985.10 and max out CB at RM100. tongue.gif
victorywp
post Mar 4 2014, 03:07 PM

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QUOTE(tbheng @ Mar 4 2014, 02:55 PM)
I did a check on my historical records. I believe the CB is round up at category level and not per transaction basis.
Based on the above examples:
Category 1 : total spend = RM550, CB = RM55
Category 2 : total spend = RM200, CB = RM20

Based on my observation, the highest effective CB is 10.15%, where spend RM985 to get max CB of RM100.
e.g. Category 1 : total spend = RM325, CB = RM33
      Category 2 : total spend = RM325, CB = RM33
      Category 3 : total spend = RM335, CB = RM34
=> Total spend = RM985, CB = RM100, effective 10.15%.
I tried that in Jan (just for fun lah), spent RM985.10 and max out CB at RM100.  tongue.gif
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i see... yes, now i notice clearly that it's based on total in category level and not per transaction basis. icon_rolleyes.gif
so the minimum is rm985 for rm100 cb. cry.gif
drewgtan
post Mar 4 2014, 05:12 PM

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QUOTE(sovietmah @ Mar 3 2014, 03:21 PM)
I think my rebate is not tally.

user posted image

Suppose to rebate RM63 but now only Rm55.

user posted image
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hi there just curious, what is zhi fu bao? is it related to tao bao purchases? brows.gif pls pm me if you don't mind sharing
sovietmah
post Mar 4 2014, 05:33 PM

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QUOTE(drewgtan @ Mar 4 2014, 05:12 PM)
hi there just curious, what is zhi fu bao? is it related to tao bao purchases? brows.gif pls pm me if you don't mind sharing
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I stated in very previous post taobao.com considered as "groceries" from my hard copy bill.
andrekua2
post Mar 4 2014, 05:34 PM

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QUOTE(sovietmah @ Mar 3 2014, 03:21 PM)
I think my rebate is not tally.

user posted image

Suppose to rebate RM63 but now only Rm55.

user posted image
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Could it be your Taobao purchase is in RMB and after conversion should be around RM80 instead of ~RM149???
victorywp
post Mar 4 2014, 05:38 PM

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QUOTE(andrekua2 @ Mar 4 2014, 05:34 PM)
Could it be your Taobao purchase is in RMB and after conversion should be around RM80 instead of ~RM149???
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i think most likely that's the reason! rclxms.gif thumbup.gif
njan77
post Mar 4 2014, 06:46 PM

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Hi all,
Reporting my first cash back...max RM100 with mobile paying through UOB payonline. rclxms.gif


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victorywp
post Mar 4 2014, 06:50 PM

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QUOTE(njan77 @ Mar 4 2014, 06:46 PM)
Hi all,
Reporting my first cash back...max RM100 with mobile paying through UOB payonline. rclxms.gif
*
you should post here: https://forum.lowyat.net/topic/2057567
canon18
post Mar 4 2014, 09:02 PM

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hello, anyone know how to pay SAJ water bill online?
UOB payonline can't make payment to SAJ.

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